Insurance for Professionals Who Advise, Treat, and Serve
Professional service businesses face a distinctive risk: their most significant exposure is not a building fire or a truck crash — it is the possibility that a client believes they were harmed by the professional’s advice, treatment, or service. A CPA whose tax strategy is challenged. A therapist accused of harmful guidance. A chiropractor facing malpractice. In every case, the financial and reputational consequences can be severe — even if the professional did nothing wrong.
GLS Insurance works with professional service businesses across all 17 states in our territory — Arkansas, Arizona, Colorado, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Missouri, Nebraska, North Carolina, Oklahoma, South Carolina, South Dakota, Tennessee, and Texas — building programs that address both professional liability and the full range of business risks that come with running a professional practice.
Professionals We Serve
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Certified Public Accountants (CPAs) and Accounting Firms
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Medical Doctors, Physicians, and Medical Group Practices
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Therapists, Counselors, Psychologists, and Mental Health Professionals
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Chiropractors, Physical Therapists, and Occupational Therapists
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Wellness Centers, Medical Spas, and Holistic Health Providers
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Personal Trainers and Fitness Professionals
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Nutritionists and Registered Dietitians
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Business Consultants and Management Advisors
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Real Estate Agents, Brokers, and Property Managers
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Attorneys and Law Firms
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Architects and Engineers
Core Coverages for Professional Service Businesses
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Professional Liability Insurance (E&O / Malpractice) — The foundational coverage for any professional services business. Covers claims from professional mistakes, omissions, negligent advice, or failure to deliver promised services. The insurer pays to defend you even if the claim is groundless — critical given litigation costs.
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General Liability Insurance — Covers physical risks at your office: a client who slips in your lobby, damage to a client’s property on your premises. This is separate from professional liability and both are needed.
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Business Owners Policy (BOP) — Combines general liability and commercial property coverage cost-effectively for small to mid-size professional offices.
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Workers’ Compensation — Required for any professional practice with paid employees including administrative staff, medical assistants, and associates.
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Cyber Liability Insurance — Professional practices are custodians of the most sensitive data that exists: health records, financial records, tax files, and legal documents. A data breach triggers notification requirements in all 17 states and HIPAA enforcement for healthcare professionals.
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Employment Practices Liability (EPLI) — Covers discrimination, harassment, wrongful termination, and wage disputes from your staff.
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Group Health and Employee Benefits — GLS Insurance has a dedicated benefits practice helping professional practices offer competitive health, dental, vision, disability, and life insurance.
Frequently Asked Questions: Professional Services Insurance
What is the difference between professional liability and general liability?
General liability covers physical risks at your place of business. Professional liability covers the services you provide — a tax error, a treatment that causes harm, advice leading to financial loss. Professional practices need both — they address completely different categories of risk.
I am a sole practitioner. Do I really need professional liability?
Absolutely. Sole practitioners are often more exposed than larger firms because there is no corporate entity or partners to share the financial burden of a claim. Your personal assets can be at risk without adequate coverage.
Does my homeowners policy cover my home-based professional practice?
No. Home-based professional practices are specifically excluded from standard homeowners policies. If you see clients at home or store client records there, you need separate business insurance.
Let’s Get Started
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